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How to Request a Payoff Statement

Learn How to Get a Quote and Pay off Your Mortgage

Freedom Mortgage makes it easy to request a payoff statement and pay off your loan. If you make the request through your online account or mobile app, we can usually generate a payoff quote for you in as little as 30 minutes!

How to Request a Payoff Statement Online

You can request a payoff statement online 24 hours a day, seven days a week. To request a statement from Freedom Mortgage, log in to your account or mobile app. Then, follow these steps:

  1. Select "Make A Request" from the navigation menu
  2. Select "Payoff Quote" from the drop-down list
  3. Choose the reason for the payoff request from the drop-down list of choices
  4. Choose a payoff (good-through) date
  5. Click "Submit"

Your statement will include your payoff amount, as well as details about your unpaid principal balance, accrued interest, escrow advances or credits you may have, and other funds, fees, and charges.

Please note a payoff fee may be charged to your account, depending on the state in which you live. Also, please note that the payoff date for FHA loans may default to the end of the month. For these loans, you will not be able to select your payoff date.

Where to Find Your Payoff Statement Online

You can follow these steps to view your payoff statement online. Log in to your Freedom Mortgage account. Select "Statement" from the navigation menu. Select "Payoff Request" from the drop-down list. Select the desired payoff statement.

Other Ways to Request a Payoff Statement

You can request a payoff statement by calling our Customer Care representatives at 855-690-5900. We can help you Monday–Friday, 8 AM–8 PM, and Saturday, 9 AM–2 PM, Eastern Time.

You can also fax a request to 877-233-5843 or mail a request to P.O. Box 50485, Indianapolis, IN 46250-0401.

Note that we are not able to send a payoff statement to a third party without your authorization. If needed, please make sure you include third-party authorization in your request. You can send your payoff request, along with your authorization, via email to

How to Pay off Your Freedom Mortgage Loan

You'll need to pay off your Freedom Mortgage loan with certified funds, such as a certified check or a wire transfer. You cannot use uncertified funds, such as a personal check, to pay off your loan.

Payoff Instructions for Certified Check

To pay off your loan with a certified check, mail your payment to the address below. Please include the names of all borrowers on the loan, as well as your Freedom Mortgage Loan Number, with your payment:

Freedom Mortgage
ATTN: Payoff Department
11988 Exit 5 Pkwy Bldg 4
Fishers, IN 46037-7939

Payoff Instructions for Wire Transfers and Bank Routing Number

To pay off your loan with a wire transfer, use the routing number and payment instructions below. Please include the names of all borrowers on the loan, as well as your Freedom Mortgage Loan Number:

Freedom Mortgage
Reference: Payoff/Payment Department
KeyBank, 127 Public Square, Cleveland OH 44114
ABA: 041001039
Bank Account: 359681378402
Borrower Name(s):
Freedom Mortgage Loan Number:

Note that wire transfer funds must be received by 4:00 PM, Eastern Time to be credited the same day. Wire transfers received after 4:00 PM will be processed on the next business day.

Once we have applied your payoff funds, we will send you a letter, confirming that your loan has been paid in full. This letter will also explain the final steps of the payoff process.

Do I Need to Cancel My Automatic Payments?

Yes, you will need to cancel any automatic payments you've set up within your Freedom Mortgage account. Note that our payment systems typically begin to process automatic payments 72 hours before the scheduled payment date.

This means that if you are planning to pay off your loan before your next monthly mortgage payment is due, you’ll want to cancel your automatic payments at least 72 hours before the scheduled payment date.

If you make an automatic payment before you pay off your loan, any overpayment amount will be placed in your escrow account, then returned to you. If you make an automatic payment after you pay off your loan, we will help you complete the return payment procedure.

Will You Have an Escrow Account After You Pay off Your Loan?

No. You will not have a Freedom Mortgage escrow account once you pay off your loan. If you are paying your property taxes and homeowners insurance through an escrow account, please contact your taxing authority and insurance company to make sure your new lender receives your billing information.

What Happens When You Have Extra Money in Your Escrow Account?

We will return any money you may have left in your escrow account to you. We typically return extra escrow money within 14 business days from the date you paid off your loan.

Last reviewed and updated December 2023 by Freedom Mortgage.


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